Motorcycle Track Day Insurance

Focus on that apex, not the cost of a trip to the gravel...

There are very little experiences better than taking your motorbike on a bike track day in the UK or overseas. Track days are becoming ever more popular, they provide the opportunity to improve your riding skill and allow you to understand what your motorcycle is capable of, without traffic and diesel spills trying to catch you out...

The use of your bike on track is excluded from normal motorcycle and travel insurance policies. With this in mind we offer affordable Insurance solutions to protect you or your motorcycle against the unforeseen cost of accidents on track at an organised track day at home or in Europe.

Get your Track Day Insurance with an online quote 24/7:

• Track Day Repatriation Insurance - Provides cover for emergency medical and repatriation costs if you are injured on track overseas
• Track Day Bike Damage Insurance - Provides cover for your bike if damaged in an accident on track in the UK or Europe
• Track Day Personal Injury Cover - Provides tax-free lump sum pay outs for fractures, hospitalisation, permanent total disablement and death (you can buy this on its own, or it is cheaper as an option within the bike damage cover above).

If you’ve booked your place, you’ve done a couple of track days before but the nerves are kicking in... Don’t fret, here are seven bike track day tips you may not have heard of before from a seasoned track day rider.

The benefits of motorbike track days

If you're a new road rider then a novice track day will very quickly teach you more about the capability of your bike and your own riding skills, in a relatively safe environment, where everyone is travelling in the same direction... No trees, walls, lampposts, slippery drain covers or erratic car drivers who are oblivious to your existence.

If you're more experienced rider then you may be pushing the limits on the roads and be ready to unleash your inner GP Legend on a circuit designed to do just that, rather than finding yourself knee down heading into oncoming traffic one Sunday morning.

Track days are perfect for any biker on almost any bike; whether you have a road bike or a dedicated track bike, it's incredible fun with a great sense of camaraderie and when you get to know the circuit, a real buzz when you nail the perfect apex, get your knee down or for the amateur racers getting your lap times down when practicing for a motorbike race meeting.

So what's stopping you?

Very often it's as simple as financial concerns, either the cost of:

1. The track day itself (it's not as expensive as you think)
2. Crashing your pride and joy (especially if it's also your day-to-day road bike)
3. Injuring yourself and not being able to work (particularly tough if you're self employed)

The answer is staring you in the face...

How much is a motorbike track day?

Firstly a track day isn't all that expensive. A full day on track with 7 x 20 minute sessions is somewhere between £150 and £200 depending on which organiser and circuit. Plus your travel costs.

Fuel will only be around a tank full (maybe a little more if you're going for it). Bring your own fuel to save on costs, as fuel at the circuit is expensive. Bring your own food and drink too to keep costs down.

A set of tyres can add up, but in all honesty, if you're a novice rider on a road bike you won't burn through a set in a single track day. It'll just mean you go home looking like a hero on your next Sunday cafe ride, with those chicken strips finally worn away.

How much is motorbike Track Day Damage Insurance?

Bike Track Day Damage Insurance it's not as expensive as you think... It can start from around £130 for a single day on a £5,000 bike (UK or Europe) with a £500 excess deduction if you end up claiming. Claims don't affect your road insurance or your no claims bonus on your road bike.

More expensive bikes cost more per day and have higher excesses (excesses are about 10-15% of your bikes value), but these are still way cheaper than the cost of replacing or repairing your damaged motorbike!

If you're doing a multi-day trip in Europe, for example a No Limits track day at Cartagena, it works out cheaper per day due to multi-day discounts that are applied, still with a £500 excess.

This product is NOT available to purchase by phone, please use this online quote process provided by TDA Services.

How much is Track Day Repatriation ('Repat') Insurance?

Track Day Repatriation Insurance covers emergency medical costs and repatriation costs if your injury is a result of an accident on track in Europe. Costs will vary depending on how long and where you are travelling to, but a typical Euro trip to Spain for a middle aged fat bloke starts from around £120 for 3-days on track (expect to pay more for amateur racing in Europe).

Repat Insurance is essential before the Track Day Organiser (TDO) will usually allow you on track.

This product is NOT available to purchase by phone, please use this online quote process provided by TDA Services.

To find out more you can read our more detailed blog: What is Track Day Repatriation Insurance?

Other BeMoto Track Day Insurance Products

If you ride on track then you might also like:

• Race Van Insurance for social use bike transporters/campers (save serious cash vs. a commercial van insurance policy)
• Track and Race Bike Theft Insurance (options for 'In Transit' cover as well)
• Daytime MOT Insurance (if you ride your bike on the road but it is set up as a track bike)